Terms of Use

Last updated: February 2026

These Terms of Use govern your use of HiMortgages.ie. By accessing or using this website, you agree to be bound by these terms.

If you do not agree, you must not use this website.

About HiMortgages.ie

HiMortgages.ie is an independent online platform providing mortgage-related tools, calculators, and general information for users in Ireland.

We are not:

  • A lender
  • A mortgage broker
  • A financial advisor

We may connect users with third-party regulated mortgage brokers where requested.

Acceptance of Terms

By using this website, you confirm that:

  • You are at least 18 years of age
  • You will use the website in accordance with these terms
  • You accept that these terms may be updated at any time

Continued use of the website constitutes acceptance of any updates.

Use of the Website

You agree to use this website only for lawful purposes.

You must not:

  • Use the website in a way that breaches Irish or EU law
  • Attempt to gain unauthorised access to any part of the website
  • Interfere with the website’s performance or security
  • Submit false, misleading, or inaccurate information

We reserve the right to restrict or terminate access where misuse is suspected.

No Financial Advice

All content, tools, and calculators on HiMortgages.ie are provided for general informational purposes only.

Nothing on this website constitutes:

  • Financial advice
  • Mortgage advice
  • Legal or tax advice

You should always seek independent professional advice before making financial decisions.

Calculator Estimates

All calculators and tools provide indicative estimates only.

Results are based on user inputs and assumptions and may not reflect:

  • Individual financial circumstances
  • Lender-specific criteria
  • Changes in interest rates
  • Fees or additional costs

Actual mortgage offers and approvals may differ significantly.

Broker Introductions

If you submit your details:

  • We may pass your information to a regulated third-party mortgage broker
  • The broker will contact you directly
  • The broker acts independently from HiMortgages.ie

HiMortgages.ie does not provide advice or recommendations regarding specific products or lenders.

We are not responsible for the services, advice, or outcomes provided by third-party brokers.

User Submissions

When submitting information through this website, you agree:

  • All information provided is accurate and up to date
  • You have permission to provide any personal data submitted
  • You understand your information may be shared as outlined in our Privacy Policy

We are not responsible for errors caused by incorrect information provided by users.

Data Protection & Privacy

We process personal data in accordance with Irish and EU data protection law, including GDPR.

Full details of how your data is collected, used, and shared are set out in our Privacy Policy.

By using this website, you agree to such processing.

Intellectual Property

All content on this website, including:

  • Text
  • Branding
  • Design
  • Calculators and logic

is the property of HiMortgages.ie unless otherwise stated.

You may not copy, reproduce, distribute, or commercially use any content without prior written permission.

Prohibited Use

You must not:

  • Attempt to scrape, copy, or extract data from the website
  • Use automated systems to access the platform
  • Submit spam or fraudulent enquiries
  • Use the website in a way that could damage its reputation or operation

Limitation of Liability

To the fullest extent permitted by law, HiMortgages.ie shall not be liable for:

  • Any loss arising from reliance on information or calculator outputs
  • Any indirect, incidental, or consequential loss
  • Any outcomes from interactions with third-party brokers or providers
  • Temporary unavailability or errors on the website

Nothing in these terms excludes liability where it cannot legally be excluded under Irish law.

Indemnity

You agree to indemnify and hold harmless HiMortgages.ie, its owners, and affiliates from any claims, liabilities, damages, or expenses arising from:

  • Your use of the website
  • Your breach of these Terms
  • Any misuse of the platform

Termination

We reserve the right to suspend or terminate access to the website at our discretion, particularly where misuse or breach of these terms is suspected.

Termination does not affect any rights or obligations that have already arisen.

Changes to These Terms

We may update these Terms of Use from time to time.

The latest version will always be available on this page.

Governing Law

These Terms of Use are governed by the laws of Ireland.

Any disputes shall be subject to the exclusive jurisdiction of the Irish courts.

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